If you incur injuries in a car accident in Arizona, dealing with insurance companies can be daunting. Insurance companies are into making a profit and may try to use various tactics to reduce the compensation they pay for your damages. It’s essential to be aware of these tactics and seek legal assistance from a car accident lawyer to protect your rights and help you receive the compensation you deserve for your damages and injuries. The article will discuss common tactics that insurance companies may use to reduce your settlement after car accidents in Arizona and how you can mitigate the impact of these tactics to ensure you receive fair compensation.
1. Claims of Comparative Negligence
Insurance companies may claim comparative negligence to argue partial fault on your part for the accident. Under Arizona law, if you were partially at fault, they may reduce your compensation by the percentage of fault assigned to you. To mitigate this tactic, compile relevant, solid, and competent evidence, including witness statements and police reports to support your claim and prove that the other party was at fault.
You should also avoid admitting fault or making statements that others can use against you. Consult an experienced Phoenix car accident lawyer who can help protect your rights and ensure you receive fair compensation for your damages.
2. Disputing the Severity of Your Injuries
Insurance companies may try to dispute the severity of your injuries to reduce your compensation. To mitigate this tactic, seek professional medical attention as soon as possible after the accident and document your injuries. Follow doctor orders and attend all necessary medical appointments to ensure proper injury treatment and documentation.
Provide the insurance company with medical records and bills to support your claim and prove the severity of your injuries. It’s also essential to consult a car accident attorney who can help you understand your rights and ensure you receive fair compensation for your damages.
3. Offering Quick Lawball Settlements
Insurance companies may offer quick lowball settlements to resolve your claim quickly and cheaply. These settlements may not cover the full extent of your damages, and accepting them can prevent you from pursuing additional compensation.
It’s, therefore, crucial to consult with an attorney who can evaluate your claim and negotiate on your behalf to ensure that you receive fair compensation for your damages. Don’t accept any settlement offers without fully understanding your rights and the actual value of your claim.
4. Delay Tactics and Denying Claims
Insurance companies may delay or deny your claim to avoid paying out compensation. They may request excessive documentation or drag out the claims process, hoping you’ll give up or settle for less. It’s, therefore, fundamental to stay organized and focused and keep detailed records of all communication with the insurance company.
Follow up regularly to ensure the timely processing of your claim. Consult an attorney to help you navigate the claims process and ensure the insurance company doesn’t delay or deny your claim unfairly. However, remember to observe statutes of limitations when applying and processing your claims.
5. Intimidation Through Their Legal Teams
Insurance companies may use their legal teams to intimidate claimants into accepting lowball settlements or dropping their claims altogether. They may use legal jargon and complex processes to make claimants feel overwhelmed and unsure of their rights. To be safe, consult with an experienced car accident attorney who can represent your interests and protect your rights.
Your attorney can negotiate with the insurance company’s legal team on your behalf and ensure they stand up for your rights to ensure you receive the maximum compensation you deserve. Don’t let the insurance company’s legal team intimidate you – seek legal representation to ensure you receive fair compensation for your damages.
Conclusion
Successfully filing your claim with insurance companies after a car accident in Arizona can be a daunting and stressful experience. It’s essential to be aware of insurance companies’ tactics to reduce your compensation and take steps to mitigate them. That includes gathering evidence to support your claim, seeking medical attention, and documenting your injuries. However, consulting with an experienced car accident attorney will help protect your rights and protect you from accepting any settlement offers without fully understanding your rights and the proper value of your claim. By being proactive and seeking legal representation, you can ensure that you receive fair compensation for your damages.